How to calculate the interest of ICBC's online loan?
The interest of ICBC's online loan is determined according to the applicant's actual loan amount and loan term, and no interest is charged if it is not used. Under normal circumstances, the loan interest rate of ICBC is similar to that of other banks, which fluctuates according to the loan interest rate of the central bank, and the interest rate announced by the bank shall prevail.
ICBC's online loan review time is relatively long. After the borrower submits the loan application, people often have to wait about 1 week, and some may be as long as 1 month.
Want to improve the audit speed, need to pay attention to the following items:
1, to ensure that the application materials are true and complete.
2. When applying for ICBC's online loan, the borrower must provide as much collateral as possible.
Advantages of ICBC's online loan products:
1. guaranteed withdrawal: the loan amount of the promised online loan is guaranteed to be withdrawn at any time during the contract period;
2. Flexible use: the contract is signed once, valid for 1 year, and can be borrowed or returned for recycling;
3, convenient procedures: the whole network operation, eliminating the rush to and from the bank, saving time and effort;
4. Efficient and independent: through online banking, loans and repayments can be received in real time;
5. Reduce costs: unused loan lines do not bear interest, and can be repaid in advance by self-help to reduce the financial pressure;